
High-yield savings rates today: July 14, 2025 | Stellar APYs are still on the market, surpassing 4%
Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.
Marcos Cabello is a financial journalist with five years of experience translating complex money matters into clear, actionable insights for readers. His reporting has been featured on CNET, NextAdvisor, and the Academic Times, where he has covered the full spectrum of personal finance topics—from insurance and investing to emerging trends like cryptocurrency. Marcos has developed a strong track record for explaining Federal Reserve policy decisions and their real-world impact in ways that empower individuals to make informed choices.
Before joining Bankrate, Marcos attended law school, where he honed his analytical skills before returning to his first passion: storytelling. His work blends legal precision with an accessible writing style, helping readers navigate financial decisions with confidence.
When he’s not behind the keyboard, Marcos can often be found playing video games, practicing magic tricks, publishing videos on TikTok and Instagram or diving into creative writing projects.
Saving money in today’s economy isn’t easy — especially if you’re just starting out. But with a plan, a strong savings account and steady contributions, you can start building your nest egg little by little.
— Marcos Cabello, J.D.
Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.
Read our experts' review on M.Y. Safra Bank's features and product offerings. Bankrate reviews and compares hundreds of banks to help find the right fit for you.
Savings APYs remain high as the Federal Reserve holds interest rates steady.
Chime offers checking and savings accounts via partnerships with FDIC-insured banks.
TD Bank offers savings accounts with tiered interest rates. However, even with the best rate available, you can find other banks offering higher yields.
Citibank offers a high-yield savings account in certain markets; but the big bank's other savings options offer less impressive APYs.
Read our experts' review on Limelight Bank's features and product offerings. Bankrate reviews and compares hundreds of banks to help find the right fit for you.
Read our experts' review on Emigrant Direct Bank's features and product offerings. Bankrate reviews and compares hundreds of banks to help find the right fit for you.